Deceased Credit Report

We Serve the Entire Country

A credit report claiming that you are deceased, when you are obviously not, can ruin your ability to utilize your credit whatsoever. Being falsely reported as deceased by a credit reporting agency such as Equifax, Experian, or Trans Union can prevent you from using your credit to obtain a mortgage, auto loan, credit card, and possibly even a copy of your credit report itself. If your credit report says you are deceased, we can help you fix that error.

Our firm sues banks, debt collectors, and credit reporting agencies like Equifax, Experian, and Trans Union where they have falsely claimed you to be “deceased”. Typically, this is the result of a “mixed credit file” where they have inadvertently mixed you with someone with the same or a similar name. It is important that you take action to correct this mistake right away, as a deceased notation on your credit can have serious adverse consequences, including denials of credit and the inability to obtain rental housing or even employment.

Call (888) 315-3150 or contact us online today to schedule a free consultation.

Deceased Credit Report FAQs

Why does my credit report say I am deceased when I am obviously alive?   

If your credit report or background check says you are deceased, it is typically due to a mistake by one of the “big three” credit reporting agencies (CRAs) (Experian, Equifax, or Transunion) or one of the companies that provides data to the credit reporting bureaus, such as credit card companies. Mistakes can happen when these companies mix up your name with another consumer or due to clerical errors that are not fixed. This is typically referred to as a mixed file. Sometimes the error originates with the Social Security Administration as well. Regardless, this is a serious issue on any credit report or background check.

What will happen if credit bureaus such as Equifax, Experian, or Transunion report me as deceased?   

If a CRA reports you as deceased, they will likely not give you a credit score. This will result in your score being “0” in most instances. The result of this is that you will not be able to obtain any new credit, meaning you will likely be rejected for any new loan, mortgage, or credit card you apply for anywhere. This error does not usually fix itself and requires you to file a lawsuit to correct it in most instances.

What should I do if I have been reported as deceased on a credit report or background check?  

First, it is important that you contact an experienced lawyer to help you correct this mistake immediately. While you may be able to navigate the process of disputing the error on your own, you should contact a lawyer to assist with the process to ensure that your rights are protected and that you are getting everything that you are due because of this damaging mistake. If you decide to dispute the error on your own, it is important that you do so by certified mail so there is a record of when you sent your dispute and when it was received.

Can I sue if I am mistakenly reported as deceased on my credit report?

Yes, you may be able to sue under the Fair Credit Reporting Act (FCRA). Under the law, you may be entitled to compensation and may also have your attorneys’ fees paid for. An attorney will help you seek compensation for any financial harm caused by the error, such as being rejected for any credit or loan applications.

How much does a lawyer cost?  

The Consumer Lawyers charge no up-front fees or costs and do everything on a contingency fee basis, meaning no fee unless we win.

How do I inform the credit bureau that I am alive?

Each credit bureau has its own dispute process. Our advice is that it is best to dispute inaccurate information by certified mail and to not use online forms or email, as you may unintentionally waive your legal rights by doing so. Some credit reporting agencies may try to force you to arbitration if you use their forms. Contacting an attorney that specializes in deceased credit reporting and background checks will help ensure that your rights are protected throughout the process.